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The microchip inside your Card
that helps make an already safe
payment system even more secure.
Step 1
Insert your Chip Card into the terminal; it will stay there for the duration of the transaction.
Step 2
Follow the prompts and key in your unique four-digit PIN to authorize the transaction. Your PIN replaces your signature.
Step 3
You will be given a receipt to confirm that your transaction has gone through successfully.
We've made PIN management easy through your Online Services account.
Log in to your account for information on managing your account, and the simple steps to unlock or change your PIN.
A Chip Card contains a small embedded microchip, which encrypts your account information, making it difficult to duplicate, copy or access. Transactions can only be completed when your Card is inserted into a chip-enabled terminal and you enter your unique PIN – a number that identifies you as the rightful holder of your Card and replaces your signature. This technology is more advanced than magnetic stripe technology, and it will make an already safe payment system even more secure.
You can use your American Express Card at any merchant that has a chip-enabled terminal.
If your American Express Chip Card is stolen, it will be very difficult for someone to use it without your personal PIN. In the case that your Card is lost or stolen, you should always call American Express immediately.
Yes. The existing PIN on your Card will work for both purchases and cash access. To view your PIN, please log into Online Services.
You may have entered the incorrect PIN. To view your PIN, please log into Online Services. If you are still experiencing problems, please call the number located on the back of your Card.
For your first transaction post PIN change, remember to use your old PIN one more time to complete the transaction. Following that, you can use your new PIN for all transactions.
There are no limitations on the combination of the 4 numeric digits you can select across your Cards. We encourage you to select a PIN that you can easily remember, but difficult for someone to guess.
Find the right American Express Card for you.
Pay with your eligible mobile device using secure mobile Wallets.
Your Card is tap enabled for quick and easy payments1. Just tap to pay and be on your way!
1 At participating American Express contactless merchants. Transaction limits may apply.
®: Used by Amex Bank of Canada under license from American Express.